A+ Federal Credit Union Mortgage Lending & HMDA Data, 2016
In 2016, A+ Federal Credit Union of Austin, TX reported 1,237 mortgage applications totaling $131.8 million, down 3% from 2015. The average application was for $106,579, and applicants reported an average income of $98,962. 36% of its applications resulted in an originated loan and 36% were denied. Its largest markets were Austin-Round Rock, TX (1,066), Houston-The Woodlands-Sugar Land, TX (25) and Killeen-Temple, TX (24) (applications in parentheses).
| Mortgage Company & Address | A+ Federal Credit Union 6420 US Hwy 290 East Austin, TX 78723 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,237 |
| Total Mortgage Loan Application Amount | $131,839,000 |
| Average Mortgage Loan Application Amount | $106,579 |
| Highest Mortgage Loan Application Amount | $938,000 |
| Average Applicant Income | $98,962 |
| Highest Applicant Income | $1,680,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records A+ Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Travis, Texas | 504 | $ 56,378,000 | $ 111,861 | $ 98,000 |
| Williamson, Texas | 396 | $ 39,943,000 | $ 100,866 | $ 104,000 |
| Hays, Texas | 109 | $ 11,062,000 | $ 101,486 | $ 86,000 |
| Bastrop, Texas | 39 | $ 3,175,000 | $ 81,410 | $ 62,000 |
| Burnet, Texas | 25 | $ 3,503,000 | $ 140,120 | $ 100,000 |
| Bell, Texas | 20 | $ 1,697,000 | $ 84,850 | $ 125,000 |
| Caldwell, Texas | 18 | $ 1,526,000 | $ 84,777 | $ 95,000 |
| Harris, Texas | 15 | $ 1,315,000 | $ 87,666 | $ 102,000 |
| Bexar, Texas | 9 | $ 1,945,000 | $ 216,111 | $ 124,000 |
| Llano, Texas | 7 | $ 618,000 | $ 88,285 | $ 81,000 |
| Tarrant, Texas | 7 | $ 841,000 | $ 120,142 | $ 121,000 |
| Comal, Texas | 6 | $ 1,036,000 | $ 172,666 | $ 88,000 |
| Denton, Texas | 6 | $ 477,000 | $ 79,500 | $ 83,000 |
| Dallas, Texas | 5 | $ 984,000 | $ 196,800 | $ 157,000 |
| Lee, Texas | 5 | $ 527,000 | $ 105,400 | $ 88,000 |
| Fayette, Texas | 4 | $ 167,000 | $ 41,750 | $ 125,000 |
| Guadalupe, Texas | 4 | $ 229,000 | $ 57,250 | $ 159,000 |
| Lampasas, Texas | 4 | $ 334,000 | $ 83,500 | $ 57,000 |
| Nueces, Texas | 4 | $ 442,000 | $ 110,500 | $ 123,000 |
| Blanco, Texas | 3 | $ 488,000 | $ 162,666 | $ 85,000 |
| Erath, Texas | 3 | $ 125,000 | $ 41,666 | $ 139,000 |
| Fort Bend, Texas | 3 | $ 259,000 | $ 86,333 | $ 62,000 |
| Galveston, Texas | 3 | $ 634,000 | $ 211,333 | $ 112,000 |
| McLennan, Texas | 3 | $ 238,000 | $ 79,333 | $ 69,000 |
| Montgomery, Texas | 3 | $ 173,000 | $ 57,666 | $ 176,000 |
| Anderson, Texas | 2 | $ 50,000 | $ 25,000 | $ 51,000 |
| Brazos, Texas | 2 | $ 224,000 | $ 112,000 | $ 83,000 |
| Gillespie, Texas | 2 | $ 280,000 | $ 140,000 | $ 91,000 |
| Hidalgo, Texas | 2 | $ 180,000 | $ 90,000 | $ 65,000 |
| Kaufman, Texas | 2 | $ 330,000 | $ 165,000 | $ 125,000 |
| Aransas, Texas | 1 | $ 250,000 | $ 250,000 | $ 69,000 |
| Archer, Texas | 1 | $ 50,000 | $ 50,000 | $ 80,000 |
| Atascosa, Texas | 1 | $ 160,000 | $ 160,000 | $ 134,000 |
| Bandera, Texas | 1 | $ 94,000 | $ 94,000 | $ 73,000 |
| Brazoria, Texas | 1 | $ 50,000 | $ 50,000 | $ 129,000 |
| Cameron, Texas | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Crockett, Texas | 1 | $ 48,000 | $ 48,000 | $ 33,000 |
| Fannin, Texas | 1 | $ 261,000 | $ 261,000 | $ 132,000 |
| Franklin, Texas | 1 | $ 191,000 | $ 191,000 | $ 102,000 |
| Gonzales, Texas | 1 | $ 47,000 | $ 47,000 | $ 109,000 |
| Grimes, Texas | 1 | $ 70,000 | $ 70,000 | $ 300,000 |
| Hamilton, Texas | 1 | $ 32,000 | $ 32,000 | $ 115,000 |
| Hood, Texas | 1 | $ 50,000 | $ 50,000 | $ 100,000 |
| Johnson, Texas | 1 | $ 88,000 | $ 88,000 | $ 52,000 |
| Kerr, Texas | 1 | $ 300,000 | $ 300,000 | $ 76,000 |
| Live Oak, Texas | 1 | $ 129,000 | $ 129,000 | $ 31,000 |
| Matagorda, Texas | 1 | $ 100,000 | $ 100,000 | $ 107,000 |
| Polk, Texas | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Rusk, Texas | 1 | $ 36,000 | $ 36,000 | $ 70,000 |
| Smith, Texas | 1 | $ 147,000 | $ 147,000 | $ 85,000 |
| Upshur, Texas | 1 | $ 196,000 | $ 196,000 | $ 151,000 |
| Washington, Texas | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for A+ Federal Credit Union in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 762 | $58,759,000 | $77,000 | $550,000 | $96,000 | $1,680,000 |
| Refinancing | 312 | $44,757,000 | $143,000 | $938,000 | $102,000 | $631,000 |
| Home Purchase | 163 | $28,323,000 | $173,000 | $417,000 | $107,000 | $661,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 586 | $64,525,000 | $110,000 | $938,000 | $108,000 | $661,000 |
| Not Provided | 287 | $31,585,000 | $110,000 | $500,000 | $104,000 | $1,680,000 |
| Hispanic | 263 | $25,409,000 | $96,000 | $395,000 | $80,000 | $600,000 |
| Black or African American | 65 | $5,175,000 | $79,000 | $298,000 | $76,000 | $206,000 |
| Asian | 19 | $2,729,000 | $143,000 | $337,000 | $107,000 | $246,000 |
| American Indian or Alaskan Native | 7 | $694,000 | $99,000 | $247,000 | $61,000 | $105,000 |
| Not applicable | 6 | $1,436,000 | $239,000 | $318,000 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 4 | $286,000 | $71,000 | $120,000 | $124,000 | $264,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,203 | $126,855,000 | $105,000 | $938,000 | $99,000 | $1,680,000 |
| FHA-insured (Federal Housing Administration) | 26 | $3,387,000 | $130,000 | $304,000 | $76,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,597,000 | $199,000 | $320,000 | $66,000 | $83,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 449 | $55,166,000 | $122,000 | $540,000 | $109,000 | $661,000 |
| Application Denied By Financial Institution | 444 | $33,618,000 | $75,000 | $417,000 | $82,000 | $383,000 |
| Application Withdrawn By Applicant | 275 | $35,500,000 | $129,000 | $938,000 | $107,000 | $1,680,000 |
| File Closed For Incompleteness | 62 | $6,782,000 | $109,000 | $411,000 | $103,000 | $600,000 |
| Application Approved But Not Accepted | 7 | $773,000 | $110,000 | $228,000 | $87,000 | $130,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 166 | $12,651,000 | $76,000 | $417,000 | $60,000 | $248,000 |
| Credit History | 129 | $9,755,000 | $75,000 | $350,000 | $90,000 | $360,000 |
| Collateral | 114 | $7,472,000 | $65,000 | $380,000 | $102,000 | $245,000 |
| Other | 13 | $1,406,000 | $108,000 | $250,000 | $140,000 | $383,000 |
| Employment History | 3 | $315,000 | $105,000 | $175,000 | $13,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $456,000 | $228,000 | $261,000 | $132,000 | $132,000 |
| Unverifiable Information | 1 | $37,000 | $37,000 | $37,000 | $63,000 | $63,000 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $145,000 | $145,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into A+ Federal Credit Union's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess A+ Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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